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we have friends that keep a Christmas ladder
xmas tree.jpg
 

tom73

Guru
Location
Yorkshire
Sat with:cuppa: and a shortcake biscuit , which can't quite make it's mind up what it's ment to be.
 
Just checked the bank account. It looked better than I expected.

It turns out that one of the advantages of not having much of an income for several years, is that I got used to living on fresh air, so now my income is about average, I'm still spending very little day to day, and it means I'm finally able to start saving a bit.

It's still tight and will likely remain so for a few years, but at least I'm gradually building for the future...
 
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